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Beyond the volatility: is a near-term recession likely?

August has been a highly volatile period for the financial markets. Reignited trade tensions and recent yield-curve inversions have spooked investors, culminating in a 3% drop in the S&P 500 Index on Aug. 14, its worst day of the year. Ivy provides its perspective on these two market moving events.

Ivy Live/ 8.22.19

FAANG: In the government's crosshairs

The big four tech giants – Apple, Amazon, Facebook and Google – are facing antitrust investigations and scrutiny over data privacy. And surprisingly, the push is gaining bipartisan support. Is it just noise for the tech sector or a larger threat to investors?

Market Perspective/ 8.05.19

Fed cuts rates; where do we go from here?

The Fed announced a much-anticipated one-quarter-percentage-point cut to the federal funds rate. Following the decision, Fed Chairman Powell's press conference commentary was perceived as unexpectedly hawkish. While the market had a 'buy the rumor, sell the news’ reaction, but we believe underlying fundamentals should support continued growth during the rest of 2019.

Maximizing the Value of 529 Plans

Parents are preparing their kids to head back to school as the topic of affording college tuition looms large. Discover how you can help your clients with 529 plans.

Genlink

Attracting assets in motion

Over the next few decades, client assets currently held by Traditionalists and Baby Boomers will be controlled by Generation Xers and Millennials, reshaping the traditional financial advisor model. Discover how you can plan for each generation.

Genlink

Why advisors need to understand each generation

Navigating generational differences can be tricky, whether you’re speaking to a younger client or chatting with a long-time client that might be your parents’ age. Knowing each generation can lead to a growing and stable practice.

Ivy Investments

We stand for a legacy of expertise, focused on delivering strong, long-term results. Our name reflects our progressive product offerings and growing global presence as we continue to adapt to the needs of investors.

Bridge the Gap℠

Three plans every Gen Xer needs to consider before they turn 50

04.16.19

It’s not your imagination Generation X — the heat is being turned up with every candle added to
your birthday cake. Let’s face it: reaching the big 5-0 is a major milestone. You’ve probably started a
family, have an established career and may be looking forward to retirement. But did you know that
there are three essential plans you may want to consider as you near age 50?

#1
A financial plan

How many of you can complete the following
statement? "If you want something done right…"
Go ahead scream it out loud "Do it yourself!" After
all, your parents taught you how to be independent.
You went home after school, did your homework,
watched some MTV and prepared your dinner all
before your parents got home. Think about it, how
much do you know about your finances? Are you
saving enough for your retirement goals? Have
you considered how much money it might take to
fund your child’s higher education plans? What are
you going to do with that old IRA-rollover? Is your
portfolio properly diversified?
If you have these questions, it’s time to talk to a
financial advisor about establishing a financial plan.
Don’t worry, your advisor will be there to answer
all of your questions. Go ahead and bring in those
articles you’ve been collecting but haven’t found
the time to read. Your advisor will be happy to sift
through everything and help you develop a plan
that is specific to you and your situation.

#2 An estate plan

As a proud member of the Gen X club, you’ve seen
many changes: from the Cold War to post-Cold war,
from a dial-up connection to high-speed wireless
internet, from the domination of the big three TV
networks to cable TV with hundreds of channels.
Throughout your life, you’ve even seen successful
companies with bright futures such as Eastman
Kodak, Sears and Blockbuster go out of business in
part because they didn’t have a plan for the future.

Don’t be one of the people who fails to plan for the
future. We get it; nobody likes to think about getting
old or worse yet, dying. But maybe the right time to
think about your finances, possessions and family is
while you are still young and healthy. As an Xer, it’s
in your nature to have a backup plan for everything
you do. An estate plan can be your backup plan to
help protect your loved ones after you are no longer
around. Don’t use your busy schedule as an excuse to
put off planning until you’re richer or older, because
this can create unintended consequences.

#3 An advanced care plan

As children, Xers were exposed to the world through
nonstop news cycle of CNN. You saw the institutions
created by Traditionalists, and improved upon by
Baby Boomers, get called into question. You probably
remember the political corruption and scandals
that took over newspaper headlines. You have seen
business ethics deteriorate with the fall of Enron and
WorldCom. The events you witnessed as a child have
probably made you more skeptical of exactly who you
can trust.

Don’t leave your most important asset, your health,
in the hands of strangers. An advanced care plan is
a document that ensures the health care treatment
you receive is consistent with your wishes should you
be unable to make your own decisions or speak for
yourself. Whether you are faced with serious injury
due to an accident, an acute illness, a long-term
chronic illness or a terminal illness, advanced care
planning can help improve your quality of life and
provide a better understanding of the decision-making
challenges facing you and your loved ones. This plan
is for the “what ifs” that may occur across your entire
lifespan, not just for older adults approaching the end
of their lives.

Hitting the big 5-0 is a pivotal time, so it’s crucial that you have the proper plans in place to protect
your family and yourself. You can start now by taking advantage of the expertise a financial advisor
who can partner with you to help ensure you are prepared for all of life’s unexpected challenges.

This information is provided for informational purposes only. Ivy Distributors, Inc., believes the information has been obtained from sources considered to be reliable, but does not guarantee the accuracy of the information provided.

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Related Articles

Becoming a parent can be both an exciting and nerve-racking time. Although you and your friends may still feel young, the number of Millennial parents is growing. More than a million Millennials become parents each year – in addition to the 16 million Millennials who are already parents. 1 But don’t fret too much about parenthood; your unique generational characteristics will allow you to handle the daunting journey of preparing for kids with relative ease.

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IVY FUNDS® mutual funds and IVY VARIABLE INSURANCE PORTFOLIOS® are managed by Ivy Investment Management Company and are distributed by Ivy Distributors, Inc., InvestEd℠ Portfolios are managed by Ivy Investment Management Company and are distributed by Waddell & Reed, Inc. These financial products are offered by prospectus only. Waddell & Reed Financial, Inc. is the ultimate parent company of Ivy Distributors, Inc. and Waddell & Reed, Inc.

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